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Sending your child off to college is a proud and emotional milestone, but many parents miss one crucial step. Once your child turns 18, you’re no longer automatically allowed to access their medical or financial information, even if you’re still paying the bills. That means in an emergency, you could be sidelined when they need you most. Today, Scott talks with Estate Planning Attorney Connor Kelley to discuss the essential legal documents every young adult should have before leaving home.

Scott and Connor break down why a healthcare power of attorney and a financial power of attorney should be added to your college prep checklist. They share real-life stories and practical examples, including what happens if your child is hospitalized or locked out of their bank account, and you’re not legally allowed to step in. Eighteen feels like a milestone for them, but for you, it changes everything. Here’s how to stay connected, informed, and legally ready if life takes a turn.

Here’s what we cover in this episode:

🧑‍🎓 Your legal role changes when your child turns 18

📃 Why powers of attorney matter for college-bound kids

🏦 How a financial POA helps with tuition and banking emergencies

🏥 Why a healthcare POA gives you access in medical crises

🛑 The risks of DIY legal forms and what could go wrong

0:00 – Intro

2:25 – The legal reality of 18

3:12 – What is a power of attorney?

3:54 – Real-life example: Son locked out of account abroad

5:04 – Healthcare power of attorney

5:58 – Common questions parents have

6:50 – Online legal forms: Pros and cons

8:27 – ER story: No info for the parents

9:40 – How do I get started?

10:34 – It’s not just paperwork, it’s peace of mind

Make an appointment to speak with Connor:

https://calendly.com/yourestateplan-kc/phone-call

Learn more: www.YourEstatePlan-KC.com